At the moment we both aren’t working so we have just been enjoying the small but tax-free money and reinvesting to try and average down if they appear to be oversold. We have taken some time off just to enjoy the world but as all this seems to be coming to a close I need to do some planning before jumping back into the workforce.

My current idea would be to gift or even sell and rebuy in some kind of trust setup (not sure which type) to harness the capital loss in our names.

By using the dividends every year I was hopeful that I could use this as part of a deposit along with, being able to chip in 30k per year to the trust. By using this hopefully purchase some kind of neutrally to positively geared property and adding to this as/when possible.

Using the cash account we were going to look at buying a house for a long term capital gains, using this initially for our PPOR (a month or two) then moving and living in another capital city and renting.

I want my investing strategy to be calculated and boring just adding to over time. I don’t need the trust for anything like asset protection but want it more so that the joys of compounding can take place. Assets being moved from us to our kids without having to change names and have it distributed unnecessarily and more importantly being able to use the trust to provide an income that can be used to enjoy life rather than being handcuffed to a job…

I’m not looking for specific personal advice (as I will seek professionals when I arrive home) but learn from people in this forums personal experience and knowledge. I am sure I am not reinventing the wheel and a few people have been in this position before…

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Are you looking to build a property portfolio? If so, are you looking for guidance and someone to hand hold you through the process? Hi, I am Sana Ali from Property Twins. I help people set up with finance correctly to build their property portfolio.

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